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Sunday, August 31, 2008

 

How to Save Money on Groceries

Going to the grocery store is sometimes the fastest way to blow your budget. And if money is tight, you might even find yourself dreading your next shopping trip. There are actually many ways to save money on your grocery bill though, so we'll look at several of those here.

1. Start cooking. If you don't know how to cook, it's time to learn. If most of what you buy at the grocery store involves frozen meals and prepackaged goods, you are wasting too much money. You get much less food per serving, it's not very healthy for you at all, and you end up spending much more money for it too.

By cooking your own meals, you will find that the food is much more satisfying, and it costs much less money too.

2. Make a list first. Before you go grocery shopping, you need to make a list. The best way to do this is to actually make two lists. The first list should be the meals you plan to eat for the next week. Once you know what food you'll be eating, then you can make your shopping list too. Making the shopping list is actually easy once you have a meal list, because all you have to do is simply list down the ingredients you need for each of your meals.

Keeping to your shopping list might be the hardest part of this step. If you're not used to shopping from a list, you may be tempted to pick up other things that catch your eye while you're at the store. This is a bad habit though, and one which usually breaks your grocery budget quickly.

3. Try store brands. In many cases, the store brand of a food is just as good as the name brand is. The difference in price however is sometimes quite dramatic. You'll want to try store brands a little at a time though, because there are some things you may find that you do not like as well. As you experiment though, you can start making educated decisions as to which food you're willing to spend a little bit more money on to get the quality you prefer.

4. Pay attention to sales. This is quite helpful, particularly when you start shopping from a list. If you look at the sales ads each week while you're making your list, you can make note of things that are reduced in price. Don't add things to your list just because they're on sale though. Only note down those things on sale that you need as part of your regular shopping list.

5. Eat before you shop. If you go to the grocery store when you're hungry, you are almost guaranteed to buy things you don't need, and did not have on your list to begin with. In other words, you will spend much more money if you shop while you're hungry. So make sure you are satiated first, then do your shopping with your head and not your stomach.

Saturday, August 30, 2008

 

More Ways to Save Electricity

There are many ways to cut down on how much electricity and energy your family uses each month. The most common tips involve ways to either heat or cool your home or efficiently in the summer and winter. Besides those though, there are actually many other things you can do which will help cut the electricity usage and costs as well.

1. Try using fans instead of an air conditioner. This tip is particularly useful during the spring and fall, but it can also be handy on mild summer days as well. In some cases for example, it can get very nice outside at night time in the summer. And on these pleasant nights, you don't have to use an air conditioner to pull your home. Instead it you can simply open a window, and sit a box fan in it. This fan will pull the cool air in from outside to cool your home. This has the added benefit of bringing in fresh air to. You can even use a second fan to work as an exhaust, which will push hot air out of another window.

Since hot air rises, you'll see the best results from having an exhaust type fan in the attic, or at a higher location than your window fan. If you're not able to set up an exhaust fan of this type, you can get similar results with a standard ceiling fan. Simply put it in reverse so that it sucks air upwards instead of blowing air downwards.

2. Turn things off when they're not in use. Modern day conveniences have caused most of us to have very bad habits were electricity usage is concerned. Some people for example, will never turn off a light. They leave lights on in every room even if it's the middle of the day and no one is in that room. This wastes energy, and increases your electricity bill dramatically. The same habits are seen with other electronic devices and appliances.

Try to get into the habit of turning things off when you're not using them. Turn off lights when you leave a room, turn the computer and monitor off when you're finished using it, and don't fall asleep with the TV on all night.

You can even take this one step farther, and unplug things when you're not using them. If you have many digital clocks in your home for example, you might try unplugging all but one or two of them. If you have electric coffeemaker, unplug it which are finished with your coffee each day. Anything that plugs into a wall, will still use a small amount of electricity, even when the device is not turned on.

3. Change your lightbulbs. You may or may not already know this, but the simple act of removing standard lightbulbs and replacing them with the newer energy-efficient ones, can reduce your electric bill by amazing amounts. The amount of money you save from doing this will vary depending on the size of your home, how many people live in your home, and how often you use the various lights in your home as well. Some people notice a small difference such as $20 less on their electric bill when they make this change. Others however, can see as much as $50 to even $100 difference in their utility bills.

These new energy-efficient lightbulbs looks strange to some people. They are curly, and there are even named pigtails. Some people even worry that their globes will not fit over at these new bulbs, so they have not made the change. Regardless of how they look though, they are actually designed to fit into the same space that the old-fashioned lightbulbs do.

Friday, August 29, 2008

 

Tips for Reducing Your Heating & Cooling Bills

For most of us, the electric bill is the largest utility expense we have each month. And with the cost of common fuels rising sharply every single day, this expense is only going to get worse. The best thing we can do, is to start reducing how much electricity we use in our homes. There are actually many easy ways to do this too.

For most of us, heating and cooling the home is at least 50 to 70% of our monthly electricity bill. So many of these tips will address ways to heat and cool for home more efficiently.

1. Insulate your home. Older homes particularly have many cracks and crevices where air can come in or escape. During the summer, the cooler air from inside will rush out, or the hot air will come in. You can help reduce this loss by simply adding insulation around doors and windows.

2. Insulate your windows. Even after you install weatherstripping around the windows in the cracks and crevices, you may still be allowing heat in during the summertime if the sunshine strongly into a window. Likewise, in the winter time cold can come in through the window panes as well.

One of the best ways to insulate your windows, is to simply hang curtains, shades, or blinds. There are insulating curtains which can be hung at your windows in both the summertime and wintertime. These insulating curtains help block the hot air in the summer, and the cold air or in the winter. They have the added benefit in the summer, of keeping the strong hot sun from coming into your home and fading your furniture, or simply heating up the air.

3. Create your own shade. You can easily create your own weather control around your home, by simply planting bushes and trees, or installing awnings and porches. Bushes and trees are the easiest and least expensive, but they can't take time to get the most benefit from if they are small when you plant them.

Planting a bush approximately 5 to 6 feet tall in front of a window which gets lots of sunlight in the summertime will help shade that window, and it will help cool the air that passes by it. You can also plant a tree which grows from 12 feet to over 25 feet tall, and it will provide shade for the roof of the home. When planting trees to create shade in the summertime, make sure that you choose one which will shed its leaves in the winter. This way it will not block the sunshine in the winter when you need it or to help heat your home.

If you don't have the room or desire to plant trees and bushes, simply try a well cared for lawn or garden instead. The simple act of having lush greenery around your home, even in the form of simple grass, can lower the temperature by several degrees.

Thursday, August 28, 2008

 

Save Money by Eating out Less

Going out to eat with friends and family is a very popular activity for most people. It's a great way to spend time together, relax, talk and have fun. Unfortunately, it can also be quite expensive.

Going out to eat is also much easier after a long day at work. Instead of going home and having to do even more work in the form of cooking and serving a meal, it's much more appealing to simply go to a restaurant and let someone else do the work. This can get even more expensive however, when you have a family to feed.

If your budget is tight and you need to start limiting expenditures, one of the first things you should do is start limiting how much you and your family eat out at restaurants. This may seem difficult at first, particularly if you are actually in the habit of going out to eat often.

The first thing you should do is try to declare eating out a special event. If you normally go out to eat several times each week, cut back to just once every one to two weeks instead. And declare it to be a special occasion when you do go out to eat. This will make it easier to adapt to the change in schedule, and it will make eating out even more enjoyable than normal.

When you do go out to eat, there are various ways you can reduce the amount of money you're spending each time. For example, if you have a family it is much less expensive to take them to a buffet style restaurant. This way, you pay one fee for each person, and they're able to get as much food as they'd like, and as much variety as they'd like too.

Try to restrict yourself to going to restaurants you already know. If you know the restaurant, then you are more likely to know which foods you like and which ones you don't. This will help you avoid wasting money on a new and exotic dish that you didn't like.

If you really want to try a new restaurant, try going the first time alone or with just a friend or spouse. This way, if you don't like the food, you will have been much less money for just one or two people than for the entire family.

If money is extremely tight, you can go for the cheapest foods, and drink water instead of colas. This does however, limit how much you will enjoy going out to eat, and defeat the purpose of doing so in the first place. Eating out should be a pleasurable experience for the entire family, and not just a necessity.

Wednesday, August 27, 2008

 

Power Your Home with Wind

The sharply rising costs of the standard fuels and electricity in recent years tops all the news stories every day lately. And it's a very deep concern for everyone. So much so in fact, that many people are now looking into alternative energy sources. There are actually many ways to generate your own electricity too, and the most common are to use a windmill, or solar panels.

Windmill generated electricity is actually a very effective method to use for anyone who lives in an area which gets a decent amount of wind year-round. Windmills have actually been used for centuries. The most common use for them throughout history, has been to pump or move water. These days however, there are many spots around the United States which actually have wind farms producing electricity instead.

A private homeowner can actually have their own windmill power installed. And while prices will vary from one place to another, the average is currently about $5000-$8000. So depending upon how much your electricity bill is each month, you could actually see a return on this investment within just one or two years.

The amount of electricity your windmill would need to produce will depend on your particular household. How money people live with you is an important factor, as well as how much electricity your family uses on average each month. In some cases, a small family may only need about 10 watts of electricity from their windmill each month.

Of course, your ability to use windmill generated power will depend on how much the wind blows in your area on a regular basis. If you live in an area out which does not get much wind at all, you may be better off trying solar power instead. If however, the wind blows somewhat steadily, or even a lot, wind power may be an excellent alternative source of energy for you.

In most communities, if you provide your own electricity through a windmill, solar panels, or other means, and you're able to generate more than your family needs or uses, you can actually sell your excess energy to the local power companies too. This will not only help those power companies during peak load times, but it can also be a source of income for you as well.

If you're not sure whether or not windmill generated electricity will work in your area, the first step to take is to start investigating your options. For example, if the wind blows, but you're not sure it's enough, then start looking into the actual statistics of how much wind your area tends to get on average each month of the year. Then research how much wind is required on average to provide the amount of power your household will need. You can also find out how much power your household uses by simply looking at your past electric bills.

Keep in mind that even if you can't use a windmill to generate all of your electricity for you, you might still be able to generate some of it, which will in turn cut down your monthly electric bill drastically.

Tuesday, August 26, 2008

 

How to Reduce Your Garden Water Bill

During the heat of summer, most avid gardeners find themselves torn between having a beautiful yard and garden and paying much higher water bills. In some areas of the country, there are even restrictions as to how much watering you can do on your yard and garden during certain times of the year. There are actually many ways you can reduce the amount of water you use in your garden though, which also reduces your water bill, and makes the restrictions of your neighborhood not a problem.

Water under your plants instead of over them. When you spray water on top of your plants, and on the leaves, they are not able to absorb it overly well. This is even worse during the hotter days of summer, because the water evaporates quickly. And, if the sun is extremely hot when you spray the plants, they can actually be burned. A much more efficient way to water the plants, is to water them from the underneath along the ground. By watering the ground that the plants are in, the water is able to seep down and reach the roots which will help water the plants with very little of the water evaporating into the air.

Along the same lines, make sure you do not just sprinkle the ground around the plants. This is known as shallow watering, and it primarily just wastes the water. Because the water is not able to soak into the ground, it never reaches the roots of the plant you're trying to give water to. And on hot days, that light sprinkle of water will simply evaporate into the air.

Water early or late. If you water your yard and garden in the middle of the day, you will again notice that the water evaporates before it has a chance to benefit your plants. By watering early in the morning, the water has a chance to soak down into the ground before it gets too hot. The same applies when you water late in the evening, but in some parts of the world this can cause problems such as promoting diseases and fungus growth.

Avoid using water sprinklers. Water sprinklers are yet in another way in which water can be wasted when you're trying to water your yard and garden. Again, because the water is being thrown around in the air, and landing on top of your plants, it has a tendency to evaporate quickly. A much better way for both the health of your plants, and your water bill, is to use a drip or soaker hose system.

Monday, August 25, 2008

 

Save Money with Energy Efficient Appliances

If you've been trying to find ways to save money in your own home, the first thing you should start looking at is how much electricity you use. Cutting down on the amount of electricity you use will not only helps you save money, but it's also very good for the environment in general. And one of the best ways to start saving money on your electric bill, is to make sure you're using energy-efficient appliances.

If you're in the market for a new appliance, here are some things you should look for.

The energy guide: in the United States the Federal Trade Commission requires that appliance manufacturers must place labels on their products which tell you how much energy a particular appliance uses. This energy guide label is usually black and yellow, and it will tell you a lot of great details about the appliance you're thinking of buying. It will tell you for example, how much money this appliance will add to your electric bill each year. And it often tells you how energy-efficient the appliance is, even compared to other similar appliances.

The energy Star: the energy Star is a special logo that companies are allowed to use for their products which are more energy-efficient than most others. By law they are only allowed to display this energy Star logo if they have been tested and proven to meet or beat certain energy standards which are set by the government. Appliances which have the energy Star logo on them can be as little as 20% more efficient than other models, and they can go as high as more than 100% more efficient. So buying an appliance with the energy Star logo on it is most likely going to save you the most money on your electricity bill over the long run.

Bigger is not always better. Some people seem to think that they're supposed to buy the biggest appliance they can find. What they don't realize however, is that there are different sizes of appliances because there are different sizes of rooms. If you have a very small galley style kitchen for example, it would be a waste of money and electricity for you to buy a large air-conditioner which is designed to cool a huge great room.

Likewise, consider the size and habits of your family. If there are only two or three people living in your home you don't likely need the largest family sized refrigerator you can find. The same applies to your washing machine, and even your dishwasher.

When buying household appliances, there are many terms in numbers you may run into which seem confusing. Don't let this scare you away however, because these numbers can be powerful information which will help you lower your own electricity bills for many years to come. So ask questions, and compare labels on many different appliances before making your final decision.